EBS Debit Card FAQs


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Debit Card

A Debit Card is linked to your bank account. You can use your Debit Card to pay for purchases in shops or online. You can also use it to withdraw cash at ATMs. Debit Card transactions are debited directly from your bank account within a few days.

The EBS Debit Card is widely accepted in millions of shops and ATMs in Ireland and worldwide anywhere Mastercard is accepted. You can use your card to:

  • Make purchases at Point of Sale (POS)
  • Make purchases with Cashback* where retailers offer it (in Ireland only)
  • Make cash withdrawals at ATMs
  • Make Contactless payments
  • Shop online in Ireland and worldwide

* Cashback amounts at retailer's discretion

Yes, you will have to activate your card before using it by calling us on 0818 654 328 or +353 1 665 8080.

You can change your PIN number at any ATM machine to something you will find easier to remember.

If you lose your EBS Debit Card or it is stolen or damaged, please contact us immediately on Freephone 1800 440 040 or 0818 654 328 or from outside Ireland on 00 353 1 665 8080 to ensure that your card is cancelled and you are issued with a replacement card. This service is available around the clock, 365 days a year.

Please call us on 0818 654 328 / 1800 440 040 (Monday to Friday 9:00 – 17:00 excluding Bank Holidays) if you have any queries in relation to your EBS Debit Card.

Government Stamp Duty will be charged at a rate of €0.12 per ATM transaction. Government Stamp Duty only applies to ATM transactions carried out within Ireland (excluding Northern Ireland). This charge is capped at €2.50 if you only use your debit card for ATM transactions and capped at €5 if you use your debit card for both purchases and ATM transactions. Government Stamp Duty charge on debit cards is applied in January, for the previous year.

Yes you can.

Alongside Mastercard Identity check, we have added an extra layer of security known as Strong Customer Authentication (SCA) when you use your Debit Card online. This is to help make online shopping even more secure and to fight fraud.

When you’re shopping online, you may need to confirm that it’s really you using your card.  You will be able to do this with the new EBS CardManager app, we will send you a push notification from the app for you to confirm.

You will need to download and set up the app to be able to confirm transactions.

To find out more about the app and how to set it up click here

Available with the EBS MoneyManager Account, the EBS Debit Card is our best card ever, giving you more ways to manage your money every day.

With your card you can:

  1. Pay for goods and get euro cash-back in shops
  2. Use it anywhere you see the Mastercard® symbol – that's all cashpoints and ATM's in Ireland and everywhere worldwide*
  3. Buy online with confidence – our cards have a three digit CVV2 code on the back that acts as an extra security feature when shopping online
  4. Track your account online – register for our online banking facility and manage your account anywhere, anytime

Please note:

  • The EBS Debit Card is available to personal customers only.
  • You must be 18 years of age or older and give us evidence with your application that you are legally resident in the European Economic Area (the "EEA") to open an account.
  • A maximum of two account holders per MoneyManager account is allowed.
  • Maximum of two accounts per customer, sole and joint combined.
  • Maximum combined balance you can hold in your EBS MoneyManager Account(s) is €500,000.
  • *For international use, you must supply us with your mobile phone number, which allows us to notify you for fraud prevention purposes.
  • ATM means Automated Teller Machine.

Uh-oh. Don’t worry - the quickest way to resolve this would be to ring our 24 HR emergency line. The contact number for a lost or stolen EBS debit card is 0818 654 328

Old cards should be cut up through the chip and discarded securely.

Contactless Payments

Contactless is a faster way to pay for transactions for €50 or less. You pay for your goods simply by holding your card flat against the reader. Wait for the confirmation and go. Please make sure there is enough money in your account when using your card for contactless transactions.

If there is a contactless symbol located next to the chip on the front of your Debit Card (see card image above), then your card is enabled for contactless payments.

No, you may not be asked to confirm it’s you if we think the purchase is low value or we consider it to be low risk.

Contactless is automatically activated on your Debit Card once you have completed your first successful Chip & PIN transaction at either Point of Sale (POS) or at an ATM.

You can make contactless payments at retail terminals which have the contactless symbol displayed in Ireland and abroad.

EBS CardManager App

You may not be asked to confirm it’s you if the purchase is low value or considered low risk but if you are asked to confirm it’s you when shopping online, you will need to use the EBS CardManager app.

You can find out more about shopping online and the EBS CardManager app here.

Rates & Changes

FX rates can be found here.

The ECB rate is the euro reference exchange rates published by the European Central Bank.

The currency exchange rates for debit cards are available here.

When you use your Debit card to pay for something that is not in euro, Mastercard will convert that payment to euro using the exchange rate that applies on the day the transaction hits your account, which may not be the day of the transaction itself. Please note that this amount may be more or less than the amount stated at the time the transaction was initiated.

Terms & Conditions

The terms and conditions for the EBS MoneyManager account are available here and Teen Savings account available here.

Full details on the fees and charges are available in the EBS MoneyManager Terms and Conditions available here. Please note there are no fees applicable on the Teen Savings account.

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